Available investment plans such as RRSP’s/RIF’s, Spousal RRSP’s/SpRIF’s, LIRA’s/LIF’s, Work Pension Plans, TFSA’s, Non-Registered (Open) accounts, RESP’s and RDSP’s are all potential accounts that you may have as part of your overall portfolio. These accounts can all be considered “Umbrella’s” that have their own rules as mandated by the Canadian Government but can hold varying investments within each “Umbrella”, depending on the goal of each account. It is our job to ensure that these account are all utilized appropriately and efficiently, each year, throughout your lifetime.

Retirement Planning

Investment Management

Our goal as Certified Financial Planners® is to maximize your net worth, while also making sure that you can sleep well at night. It is important to have an appropriately designed investment portfolio which is why we follow a personalized 4-Step Process:

1. Identify Goals & Objectives

2. Strategies & Asset Allocation

3. Selection & Implementation

4. Consistent Review & Monitoring.

Risk Reduction Pools, Currency Neutral or Un-hedged funds, Dollar-Cost Averaging strategies, Corporate Class investments and many more concepts, are all taken into consideration to achieve performance and tax effectiveness. Performance indicators such as Standard Deviation, Alpha, Beta, R-squared, Sharpe Ratio, Upside-Capture and Downside-Capture and many more, are all analyzed to ensure the quality of the funds and their importance within your portfolio.

Tax Planning

The various investment accounts available, to Canadians will all be used appropriately, to provide income for you throughout your retirement. It is important to make tax efficient withdrawals from these accounts in order to have the least tax liability possible, each calendar year. We will work to keep the incomes between spouses close to the same amount, so we do not have one spouse paying taxes in a high marginal tax bracket unnecessarily. After 65 this will be much easier with allowable income splitting. Corporate class investments and fee for service accounts will also be utilized when possible to further decrease your annual tax liability.

Estate Planning

Inevitably your estate at death will become a regular topic of conversation. Final expenses, deemed dispositions, capital gains, bequests, probate costs, the principle residence exemption, charitable investment trusts and much more will all be analyzed and discussed. We will ensure that your estate is properly prepared to efficiently pass on to your beneficiaries.

Insurance is very easy to ignore but the rewards of protecting yourself can be enormous during a crisis. Your insurance needs depend on your situation and our insurance advisor’s can help you identify risks you have missed. A proper needs analysis will outline potential risks and will be used to determine what risks should be avoided, reduced or retained.

Life insurance, Estate Planning policies, Disability insurance, Critical Illness insurance, Business insurance between partners, Business Overhead insurance, Key-man insurance, Group insurance and more, will all be utilized appropriately to cover your needs, if any at all.